Codes Providing Authentication and Additional Functionality

• US 20150220921A1
• Filed: 02/04/2014
• Published: 08/06/2015
• Est. Priority Date: 02/04/2014
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Dent, Nathan, Freedman, James David, Grigg, David
• Application Number:
  US14/172,260
• Publication Number:
  US 20150220921A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/22 Payment schemes or models
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing

Abstract

Systems, methods and apparatuses for authenticating a user via a machine-readable code arranged on a reusable payment device and a computing device are provided. An image of the machine-readable code may be received from a computing device, such as a mobile device. If it is determined that a match exists between a user associated with the mobile device and a user associated with the machine-readable code and/or reusable payment device, a user may be authenticated and may be provided with account information and/or account functionality. In some examples, the authentication may be used to pre-populate payment information during a transaction.

Claims

1. An apparatus, comprising:

at least one processor; and

a memory storing computer-readable instructions that, when executed by the at least one processor, cause the apparatus to;

receive an image of a machine-readable code arranged on a reusable payment device from a computing device;

determine whether the computing device from which the image is received is associated with a user associated with at least one of;

the machine-readable code and the reusable payment device;

responsive to determining that the computing device from which the image is received is associated with the user associated with at least one of the machine-readable code and the reusable payment device, provide at least one of;

account information for an account associated with the reusable payment device or account functionality to the user; and

responsive to determining that the computing device from which the image is received is not associated with the user, request additional authentication information from the user.

2. The apparatus of claim 1, wherein the determining whether the computing device from which the image is received is associated with a user associated with at least one of:

the machine-readable code and the reusable payment device authenticates the user.

3. The apparatus of claim 1, wherein providing at least one of account information or account functionality is performed without additional authentication of the user.

4. The apparatus of claim 1, further including instructions that, when executed, cause the apparatus to:

retrieve account information associated with the user from a database storing account information of a plurality of users.

5. The apparatus of claim 1, further including instructions that, when executed, cause the apparatus to:

receive, from the computing device, an identifier of the computing device,

wherein determining whether the computing device from which the image is received is associated with a user associated with at least one of;

the machine-readable code and the reusable payment device includes matching a user associated with the identifier of the computing device to a user associated with the reusable payment device.

6. The apparatus of claim 1, wherein the reusable payment device is one of a credit card and a debit card.

7. The apparatus of claim 1, wherein the machine-readable code is a quick response (QR) code.

8. The apparatus of claim 1, wherein the account information includes at least one of:

an outstanding balance on the account, an interest rate associated with the account, a credit limit of the account and a transaction history of the account.

9. The apparatus of claim 1, wherein the account functionality includes at least one of:

activating the reusable payment device, deactivating the reusable payment device, setting a travel flag for the account associated with the reusable payment device, requesting a replacement reusable payment device, requesting an additional reusable payment device, and identifying incentives available to the user associated with the reusable payment device.

10. The apparatus of claim 1, wherein the computing device is a mobile device.

11. The apparatus of claim 1, wherein the requested additional authentication information includes a user identifier and password.

12. One or more non-transitory computer-readable media having computer-executable instructions stored thereon that, when executed, cause at least one computing device to:

receive an image of a machine-readable code arranged on a reusable payment device from a mobile computing device;

determine whether the mobile computing device from which the image is received is associated with a user associated with at least one of;

the machine-readable code and the reusable payment device;

responsive to determining that the mobile computing device from which the image is received is associated with the user associated with at least one of the machine-readable code and the reusable payment device, provide at least one of;

account information for an account associated with the reusable payment device or account functionality to the user; and

responsive to determining that the mobile computing device from which the image is received is not associated with the user, request additional authentication information from the user.

13. The one or more non-transitory computer-readable media of claim 12, wherein the determining whether the mobile computing device from which the image is received is associated with a user associated with at least one of:

the machine-readable code and the reusable payment device authenticates the user.

14. The one or more non-transitory computer-readable media of claim 12, further including instructions that, when executed, cause the apparatus to:

receive, from the mobile computing device, an identifier of the mobile computing device,

wherein determining whether the mobile computing device from which the image is received is associated with a user associated with at least one of;

the machine-readable code and the reusable payment device includes matching a user associated with the identifier of the mobile computing device to a user associated with the reusable payment device.

15. The one or more non-transitory computer-readable media of claim 12, wherein the account information includes at least one of:

an outstanding balance on the account, an interest rate associated with the account, a credit limit of the account and a transaction history of the account.

16. The one or more non-transitory computer-readable media of claim 12, wherein the account functionality includes at least one of:

activating the reusable payment device, deactivating the reusable payment device, setting a travel flag for the account associated with the reusable payment device, requesting a replacement reusable payment device, requesting an additional reusable payment device, and identifying incentives available to the user associated with the reusable payment device.

17. An apparatus, comprising:

at least one processor; and

a memory storing computer-readable instructions that, when executed by the at least one processor, cause the apparatus to;

receive a request for payment during a transaction;

receive, from a computing device, an image of a machine-readable code on a reusable payment device being used for payment during the transaction;

based on the received image of the machine-readable code, determine whether the computing device from which the image is received is associated with a user associated with the reusable payment device;

responsive to determining that the computing device is associated with the user of the reusable payment device, pre-populating at least a portion of payment information requested during the transaction, wherein the payment information pre-populated is information associated with the reusable payment device of the user.

18. The apparatus of claim 17, wherein the payment information includes at least one of:

an account number of an account associated with the reusable payment device and an expiration date of the reusable payment device.

19. The apparatus of claim 17, further including instructions that, when executed, cause the apparatus to:

generate a proxy number linked to an account number associated with the reusable payment device;

20. The apparatus of claim 19, wherein the pre-populating includes providing the proxy number instead of the account number of the account associated with the reusable payment device as payment information.

21. The apparatus of claim 20, wherein the payment is processed using the proxy number.